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The Blog

The 5 Best And Worst Car Insurance Companies As Rated By Consumers

written by Guest | Saving Money

earning cash from your cars

Every year, J.D. Power and Associates ranks consumer satisfaction across a variety of industries and services using information gathered through surveys, and one of their most areas of expertise is the automotive world. Their list is acclaimed for its accuracy and respectability. In August 2009, they released their annual ratings of auto insurance providers determined by customer satisfaction…

12 Ways To Turn a Bad Day Into a Better One

written by Bob Lotich, CEPF® | Biblical Personal Finance, Simplify

They are inevitable. Bad days happen to everyone. But, there are things you can do to make them better. Here are 12 simple things you can do right now to improve your day!

Bad days are inevitable. They happen to everyone. But, there are things you can do to make them better. Here are a few of my favorite ways to turn a bad day around…

God will provide! Bible Verses about Provision

written by Bob Lotich, CEPF® | Biblical Personal Finance

God will provide! Even when you cannot see God at work in your life, He is there! His ways and timing are not our own. And He is a faithful God who is for you and has your best interest at heart! And He is trustworthy! When nothing in the world seems reliable or trustworthy, […]

7 Simple Ways To Raise Non-Materialistic Children

written by Joe | Biblical Personal Finance, Simplify

If you want to raise kids who aren't always obsessed with the latest and greatest, and who don't wrap their self-esteem in their possessions, then check out some of these tips to raise non-materialistic children -

Ironically, many children raised in wealth demonstrate the same tendencies as those who are raised in extreme poverty: depression, despair, attempted suicide, drug and alcohol use, and shoplifting. Why this behavior? The parents, who are way too busy making money, sacrifice meaningful time with their children.

Godliness with Contentment…

written by Bob Lotich, CEPF® | Biblical Personal Finance

Godliness with Contentment

Yes, Godliness with Contentment can be achieved! I’ve researched scripture to find some of the key Bible Verses about Contentment. Let’s take a look further into what the Bible says… Psalm 23:1The Lord is my shepherd, I shall not want. Ecclesiastes 5:10Whoever loves money never has money enough; whoever loves wealth is never satisfied with […]

How To Consolidate Your Debt With Lending Club

written by Kevin Mercadante | Debt Help

This is a much cheaper, faster, and easier way to consolidate your debt rather than using traditional banks or debt consolidation companies. Lending club makes the process extremely simple and extremely cost effective -

Technology is changing everything – even the well-worn process of getting a loan through a bank. You can now streamline the whole borrowing process and consolidate your debt with Lending Club. Lending Club is the largest and most well-known of the rising class of direct lending platforms that enable both borrowers and investors to bypass […]

Passive income vs NONpassive income [and 7 ways I earn passively]

written by Bob Lotich, CEPF® | Making Money

7 ways I earn passive income

I remember thinking, “You mean you can actually do work one time and get paid over and over again?” And as someone who knew nothing other than working for an hourly rate, earning passive income was a truly fascinating idea. It was 10 years ago, and it was the first time I was presented with […]

The Step-by-Step Guide to Clean and Repair your Credit Report

written by Bob Lotich, CEPF® | Debt Help

A step-by-step guide to help you clean and repair the errors on your credit report

The following article was written by our CFP® friend Neal Frankle. He is the chief editor of WealthPilgrim.com. Nobody’s perfect. You aren’t and neither am I. But neither are the credit bureaus who compile your credit history or the creditors who report to those bureaus. If you have some splotches on your credit report the […]

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Bob Lotich

Hi there! We are Bob & Linda Lotich. Jesus followers, authors, podcasters, and undying fans of Michael Scott.

This site contains the lessons we learned on our journey from being stingy, debt-ridden fools, to being able to reach our biggest financial goal of giving $1 million by age 40, having zero debt & a paid off house by age 31, and peace with money in the process.

Now we share our best lessons with people like you, groups, and churches with our Award-winning book Simple Money, Rich Life and our 6-week video course True Financial Freedom.

Grab our book!

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The articles on this site should not be taken as financial advice. Please contact a financial advisor (or coach) for specific advice regarding your situation. Any references to interest rates, giveaways, deals, products, and websites are subject to change without notice. We try our best to keep the information current, but things are always changing so it may be different now than when it was first published. Also, all the pages on SeedTime help us pay the bills by using affiliate relationships with Amazon, Google, eBay and others but our opinions are NEVER for sale. Find out more here.

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